Chelsea State Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The standout move of Q2 2026 was in Cost of borrowings: 2.32 percentage points lower than in Q1 2026, at 4.76%. Within Michigan, Chelsea State Bank is 22nd of 72 on net interest margin, 4.39% as of Q2 2026, above the middle of the field. Chelsea State Bank reported 4.39% on net interest margin for Q2 2026, 0.44 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.46% |
| Yield on loans | 6.53% |
| Yield on securities | 2.97% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.16% |
| Cost of interest-bearing deposits | 1.63% |
| Cost of interest-bearing liabilities | 1.63% |
| Cost of borrowings | 4.76% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.39% |
| Yield to cost spread | 3.83% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.2M |
| Total interest expense | $1.1M |
| Interest expense on deposits | $1.1M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 5.07% | 0.63% | 4.29% | 6.18% | 2.97% |
| Q4 2023 | 5.34% | 0.66% | 4.54% | 6.44% | 2.95% |
| Q1 2024 | 5.35% | 0.82% | 4.35% | 6.53% | 2.97% |
| Q2 2024 | 5.51% | 1.25% | 4.37% | 6.61% | 2.97% |
| Q3 2024 | 5.88% | 1.32% | 4.67% | 7.21% | 2.97% |
| Q4 2024 | 5.58% | 1.29% | 4.40% | 6.68% | 2.95% |
| Q1 2025 | 5.36% | 1.41% | 4.07% | 6.50% | 2.94% |
| Q2 2025 | 5.57% | 1.38% | 4.31% | 6.66% | 2.94% |
| Q3 2025 | 5.53% | 1.37% | 4.30% | 6.71% | 2.96% |
| Q4 2025 | 5.48% | 1.27% | 4.34% | 6.64% | 2.95% |
| Q1 2026 | 5.04% | 1.22% | 3.92% | 6.16% | 2.91% |
| Q2 2026 | 5.46% | 1.16% | 4.39% | 6.53% | 2.97% |
Chelsea State Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Chelsea State Bank, freeSource: Call Report Schedules RI and RC-K, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Chelsea State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14009) · FFIEC NIC profile (RSSD 711548)